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In addition to coverages associated with normal business insurance policies, as an owner of an auto service business you need special coverage tailored to protect your business and your customer's vehicles.
Garage insurance has several options and requires an insurance specialist to guide you and recommend the best coverage to protect your business.
Driscoll & Associates has been tailoring insurance programs for gas stations, service stations, auto repair shops, auto body shops and all segments of the automotive services industry for over 30 years. We have many programs specifically designed for the auto services industry that not only provide cost savings, but excellent coverages as well.
A Garage Liability Policy is a hybrid of General Liability and Auto Insurance.
Broad Form Products/Completed Operations coverage provides for the resultant damage, but not for damage to the product itself or the work performed. Please be certain you're covered for that. With respect to premises and operations, it is important for you to be properly covered for slips or falls into an open pit. Also important are coverages for allegations of employment related discrimination, false or misleading advertisements, personal injury and errors or omissions in the administration of employee benefits
One of the most important things to consider is how you are going to insure your customer's vehicles. This is called Garagekeepers coverage.
Legal Liability - Coverage is provided when, as a result of your negligence, you become legally liable for damage.
Direct Excess/Customer Excess - This approach, again, provides coverage for damage to a customer's vehicle in cases where you are legally liable or negligent. In addition, it provides stop-gap coverage when:
Direct Primary/Customer's Auto - Coverage is provided regardless of your negligence or legal liability.
Some content provided by Professional Insurance Associates (PIA).
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